Regina Mortgage Rates

Best Mortgage Rates in Regina

Compare mortgage rates available in Regina, Saskatchewan. Explore fixed and variable mortgage options from national and provincial lenders.

Rates are current as of Regina, Saskatchewan
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Mortgage rate information for Regina, Saskatchewan

Compare national mortgage options and products available in Saskatchewan for borrowers and properties in Regina. RateBuddy helps you explore current fixed and variable rates, estimated payments, lender options and mortgage features in one place.

Current Mortgage Rates in Regina

Live as of: August 17, 2026 | Regina, Saskatchewan

Customize your mortgage scenario

Adjust the purchase price, down payment, amortization, and payment frequency to see how your estimated mortgage payments change across the rate options below.

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Yrs
Tip: Use the filter to compare payment impact quickly. Even a small rate difference can change your estimated payment and total interest over time.
We guarantee your best rate or we will give you $500! Save thousands with our volume-discounted rates.
True North Mortgage Inc
Interest rate
2.49 %
6 Months Fixed
6-Month Fixed Closed
Payment & interest estimate
Est. Monthly Payment $1,792
Interest in 5 years $46,119
Interest over 6 Months $4,950
Commission-free mortgage experts providing honest advice and competitive rates through a 100% digital, transparent process.
Nesto
Interest rate
3.40 %
5 Years Variable
5 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $1,981
Interest in 5 years $63,506
We guarantee your best rate or we will give you $500! Save thousands with our volume-discounted rates.
True North Mortgage Inc
Interest rate
3.49 %
5 Years Variable
5-Year Variable Closed
Payment & interest estimate
Est. Monthly Payment $2,000
Interest in 5 years $65,239
nesto provides you with the best available locking period in the mortgage industry (150 Days).
Nesto
Interest rate
3.57 %
5 Years Variable
5 Year Variable Mortgage (150 Day Lock)
Payment & interest estimate
Est. Monthly Payment $2,018
Interest in 5 years $66,781
Equitable Bank offers flexible mortgage solutions with competitive rates, designed to help you achieve your homeownership goals.
EQ Bank
Interest rate
3.60 %
5 Years Variable
5 Year Adjustable Mortgage - Evolution Suite
Payment & interest estimate
Est. Monthly Payment $2,024
Interest in 5 years $67,359
Marathon Mortgage
Interest rate
3.60 %
5 Years Variable
5-years Variable Closed High Ratio
Payment & interest estimate
Est. Monthly Payment $2,024
Interest in 5 years $67,359
Commission-free mortgage experts providing honest advice and competitive rates through a 100% digital, transparent process.
Nesto
Interest rate
3.60 %
3 Years Variable
3 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,024
Interest in 5 years $67,359
Interest over 3 Years $41,588
Marathon Mortgage
Interest rate
3.64 %
6 Months Fixed
6-Month Fixed Closed
Payment & interest estimate
Est. Monthly Payment $2,033
Interest in 5 years $68,132
Interest over 6 Months $7,243
Clients save an average of $3,187 when they choose Pine. For a limited time, refer a friend and you both get up to $1,000.
Pine
Interest rate
3.65 %
5 Years Variable
5 Year Adjustable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,035
Interest in 5 years $68,325
We guarantee your best rate or we will give you $500! Save thousands with our volume-discounted rates.
True North Mortgage Inc
Interest rate
4.14 %
5 Years Fixed
5 Year Fixed Mortgage
Payment & interest estimate
Est. Monthly Payment $2,142
Interest in 5 years $77,818
Updating rates...
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Mortgage rates across Canada

Explore rates by province and city

Find national mortgage offers and rates available in your province, then explore a page designed for your local market.

7 markets
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2 markets
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3 markets
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2 markets
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2 markets
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18 markets
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2 markets
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9 markets
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3 markets
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NORTH Northern Canada
3 markets
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Rates by lender

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Explore mortgage rate information from major Canadian banks, regional institutions and credit unions. Compare more than the advertised rate before choosing a provider.

How these rates are selected

Regina rates are based on mortgage options available in Saskatchewan

RateBuddy displays national mortgage options and products available in Saskatchewan. Actual rates, lender availability, qualification and approval depend on the borrower, property, mortgage purpose and lender requirements.

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Market Dynamics

Understanding Rates in Regina, Saskatchewan

Mortgage rates in Regina, Saskatchewan are driven by two main forces: Bond Yields (Fixed) and Central Bank Policy (Variable).

Variable: Floating
Fixed: Bond Driven

Bank of Canada Impact

Variable rates in Regina, Saskatchewan are directly linked to the Prime Rate. If the economy slows, rates often drop to stimulate growth—saving you money immediately.

The "Spread" Strategy

Smart borrowers in Regina, Saskatchewan watch the gap between Fixed and Variable. When fixed rates dip lower than variable, it is often a signal to lock in stability.

Hidden Costs of Buying in Regina, Saskatchewan

Beyond the mortgage rate, ensure you budget for these closing items.

Land Transfer Tax

Good news! Regina, Saskatchewan has low registration fees instead of a massive land transfer tax.

Legal Fees

Expect to pay between $800 and $1,500 for a lawyer in Regina, Saskatchewan to handle the title transfer and mortgage registration.

Appraisal

Lenders in Regina, Saskatchewan may require a professional appraisal ($300-$500) to confirm the home's value matches the loan.

Regina, Saskatchewan Mortgage Hack

Maximize Your Pre-Payment Privileges

Did you know? Most lenders in Regina, Saskatchewan allow you to pay down 10-20% of your mortgage annually without penalty.

Reduce Interest Costs
Shorten Amortization
Build Equity Faster
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Find your mortgage path

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Advanced mortgage tools

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Local mortgage guidance

Mortgage questions about Regina

Mortgage rates are generally offered nationally or according to provincial availability rather than being priced separately for each city. RateBuddy displays national offers and mortgage products available in Saskatchewan for Regina. Final rates, lender availability and approval depend on the borrower, property and lender requirements.
Tools and guidance

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